We unravel the regulatory complexities of mortgage lending so you can focus on growing your business.

Risk Kinetics is a specialized team that have lived in the mortgage industry for decades. We understand what it’s like to be stretched thin and overwhelmed. Sometimes it’s temporary as you have to prepare for a review. Other times it’s just known as “another day at the office.”

Whether your compliance team needs a some strong help, or just a bit of a lift, we offer a range of resources to help you be less worried about compliance, and more focused on lending.




The Team


Carmella Arnold Snytsheuvel – Consultant

With 30 years of experience in the mortgage lending industry, Carmella has been there, done that.  She  has first hand experience providing guidance to major lenders, brokers, originators and attorneys on regulatory compliance issues from TRID, QM, HOEPA, TILA, HPML, HOPA, RESPA, other federal laws as well as State laws and regulations.  Her unique perspective provides clients the comfort that she understands the challenges that exist in today’s mortgage industry in manufacturing quality, complaint loans.

Feel free to schedule her services: Carmella@riskkinetics.com



Ray Snytsheuvel – Attorney

Ray has been in the mortgage industry since Jefferson was in office. He has been Chief Compliance Officer and General Counsel for various mortgage companies and serves as the team’s attorney.





AJ Snytshuevel – Business Systems Analyst

With his background in Mechanical Engineering, AJ manages all the tech to keep the team going. Everything from managing communication tools to maintaining and protecting our cloud-based services. As part of the development team for Mileva, he is a great person to speak to if you have any questions about our compliance management system.